
Settle: Split Bills
Fewest payments to square up
0 ratings
Free
About
Trips, dinners, shared rent - when several people have each paid for different things, working out who owes whom turns into arithmetic nobody wants to do at the end of a holiday.
Settle keeps the running total and does that arithmetic for you. Add each expense as it happens and balances update immediately: who paid what, and who owes whom right now. When it is time to square up, Settle works out the fewest payments that clear every debt - so four people with tangled balances settle in two or three transfers instead of a dozen.
SPLIT IT HOWEVER IT ACTUALLY HAPPENED
Equally, by exact amounts, by percentage, by shares, or item by item off the receipt. One bill can have several payers. Anyone can sit out a single expense without leaving the group.
BUILT FOR REAL TRIPS
17 currencies with live exchange rates, so a dinner paid in euros and a taxi paid in dinars end up in one honest total. Currencies with three decimal places - Jordanian dinar, Kuwaiti dinar, Bahraini dinar, Omani rial, Tunisian dinar - are handled to the fils rather than rounded to cents.
SHARE THE RESULT, NOT A SPREADSHEET
Send the settle-up summary straight to the group chat. Add a payment alias so people know exactly where to send their share. Mark each transfer paid as it lands.
WORKS WITHOUT AN ACCOUNT
No sign-up, no ads, no profile of you. Everything lives on your device and works offline. Sign in only if you want to sync across your own devices or share a group with the people in it.
ENGLISH AND ARABIC
Fully translated, including right-to-left layout - not a mirrored afterthought.
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What's New in Settle
1.0.7
October 3, 2026
Someone left the group? Mark them inactive: they are left out of new expenses by default, and what they owe or are owed stays exactly as it is. Open the group's edit screen and tap "Who's still in the group?" Tidier pop-ups: less empty space at the top and bottom of Add expense, Edit group and the other sheets. Messages now fit your screen, and "How they get paid" can be hidden again once it is filled in. Settle up scrolls its heading away, so there is more room for the list.
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